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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $29,410 | $157,296-81.3% | $141,191-79.2% | $152,897-80.8% |
| Participation rate | 80.0% | 84.8%-4.8pp | 82.5%-2.5pp | 82.5%-2.5pp |
| Annual return | 28.72% | 64.34%-35.6pp | 71.41%-42.7pp | 345.43%-316.7pp |
| Employer contribution / active EE | $1,645 | $5,262-68.7% | $4,736-65.3% | $4,764-65.5% |
| Participant deferral / active EE | $4,086 | $7,111-42.5% | $6,710-39.1% | $5,851-30.2% |
| Admin fee / account holder | $2,689 | $12,125-77.8% | $10,264-73.8% | $11,599-76.8% |